Discover started including customers’ FICO scores on monthly bills and on online accounts in early 2014. According to FICO numbers quoted by Discover, 87 percent of consumers’ credit scores fluctuate from month to month, with changes of as much as 20 points. These monthly credit scores can help customers receive real-time notification of any changes that could signal an error or abuse of their credit.

There is a common misconception that when two people marry their credit histories become one the minute the two tie the knot. This is only partially true. When two people marry, each retains his or her individual credit history up to that point.